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USDALoans.com is a Mortgage Research Center, LLC Network Website

USDALoans.com belongs to the Mortgage Research Center, LLC, ("MRC") Network. MRC is a private company that provides mortgage information and connects homebuyers with lenders. Neither USDALoans.com nor MRC are endorsed by, sponsored by or affiliated with the U.S. Department of Agriculture or any other government agency. MRC receives compensation for providing marketing services to a select group of companies involved in helping consumers find, buy or refinance homes. If you submit your information on this site, one or more of these companies will contact you with additional information regarding your request. For a full list of these companies click here. By submitting your information you agree MRC can provide your information to one of these companies, who will then contact you. MRC does not guarantee that you will be eligible for a loan through the USDA loan program. USDALoans.com will not charge, seek or accept fees of any kind from you. Mortgage products are not offered directly on the USDALoans.com website and if you are connected to a lender through USDALoans.com, specific terms and conditions from that lender will apply.

USDA Loan Mortgage Calculator

The USDA loan calculator helps homebuyers uncover their potential purchasing power and estimate payments with a USDA loan.

This calculator includes the unique characteristics of a USDA loan, including the USDA’s upfront and annual mortgage insurance fees, to produce a more accurate representation of your payments with a USDA loan.

Your USDA Loan Totals

Purchase Price$200,000.00

USDA Guarantee Fee$2,000.00

Amount Financed$202,000.00

Included in the calculator is the USDA's annual mortgage insurance. The annual fee is .35%, which is $58.92 each month for your selections. The annual guarantee fee is reflected in the estimated payment above.

Property taxes are generally estimated at 1.2% of the home's value, but vary by borrower. Based on your selection of 1.2%, your estimated property taxes are $200.00. Annual homeowners insurance is estimated at 0.35% of the home's value, but varies by borrower. Your estimated homeowners insurance is $58.92 based on your selection of .35%.

Want to learn more?

A Closer Look at USDA Loan Fees

Included in the calculation is the USDA’s upfront guarantee fee and annual mortgage insurance fee.

The USDA guarantee fee is 1 percent of the purchase price less any down payment. This is a one-time fee paid to the USDA and can be rolled into the entire loan amount.

The USDA loan also has an annual mortgage insurance fee of .35% of the loan amount.

USDA Loan Rates

Rates shown in mortgage calculator are for illustrative purposes only. Your rate may differ based on multiple factors. Talk with a USDA loan specialist to get a more accurate estimate for your homebuying situation.

Start Your USDA Loan

After estimating payments with the USDA loan calculator, take the first step towards a USDA loan and speak with a USDA-approved lender to determine if you are eligible. Your lender will assess the purchase location, your financial situation and uncover any red flags that may prevent you from obtaining a USDA-guaranteed loan.

Check Official USDA Loan Requirements

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